So, you’ve been visiting several properties, and finally, you’ve found your ideal home. Was it love at first sight? Many homeowners explain that they fell in love with their house the day they visited it. They feel attracted to the place, and they soon realised they wouldn’t be happy without it.

Of course, when you decide to buy a house, you need to make an offer the seller can’t refuse. To do this, you have to be in a position where you know exactly how much you can afford to pay, and consequently, how high your price offer can be. For first-time home buyers, the process of making an offer can be difficult. Even though you might be advised by a real estate agent, it’s fair to say that you need to start your home search journey with a mortgage estimation. IN other words, before you can even visit properties, you need to know exactly how much money you can borrow. However, it would be foolish to assume that the price of the house or a flat is the only investment you are required to make when you buy your new home. If you’re new to the property market, it’s crucial that you understand the variety of the costs to come. Taking these into account will ensure that you can manage your mortgage repayments without dragging your budget in the red.